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Client Services


Cardiff Park charges a fixed annual retainer for investment advisory services. Fees are based on an estimate of the time required to support and serve the engagement. Quarterly fees range from $1,200 to $3,000. Some clients with multi-generational and/or other complex financial planning needs pay much higher annual retainer fees. As a gesture of goodwill, some longstanding clients pay lower fees than current standard rates. While all fees are subject to change, we never raise fees without advance discussion and explanation. When establishing quarterly fees, we take into consideration:


Account complexity, including the number of separate accounts, trusts, holdings and time required to convert current positions.


Monthly reporting, including the need for special reports or accounting.


Retirement or near-retirement needs, including financial modeling, mandatory withdrawals and tax-withholding needs to be addressed over several years or more.


Other services, including additional support for funds transfer, processing wire requests, sending checks, updating addresses, re-registering trust accounts, updating beneficiaries, or completing rollover of retirement accounts. We make every effort to include these services in our set monthly fee, but they are not always predictable at the outset.


The following services are included in our fixed quarterly retainer:


           

Portfolio Design

     

Portfolio Reporting

 

Risk Assessment

 

Performance Reporting

 

Cash Flow Analysis

      

Gain/Loss Accounting

 

Forecasting your future

 

Asset Allocation Analysis

 

Asset Allocation

 

Rebalancing Analysis

 

Investment Selection

 

Periodic Tax Related Reporting

 

 

 

 

 

Portfolio Management

 

Administrative Services

 

Implementation Support

 

Account Creation

 

Portfolio Monitoring

 

Account Transfers

 

Portfolio Rebalancing

 

Cashiering

 

Tax Loss Harvesting

 

Web-Portal Assistance

 

Bond Laddering

 

Cost Basis Management

 

Implementation Support

 

Credit Facilities

 

 

 

 

 

Block Trading

 

Other Services

 

Institutional Index Funds

 

Roth Conversions

 

Institutional Bond Markets

 

Required Minimum Distributions

   

Retirement Rollovers

 

 

Our expertise at Cardiff Park Advisors is in financial planning and investment management. To complement our services, we recommend that our clients consult with independent professionals for estate planning, real estate issues, tax planning, insurance and legal issues. At client request, we will work with these professionals to offer our best financial advice and analysis. Services beyond the scope of portfolio management may incur additional fees.

 

Contact Us

 

We welcome introductory phone conversations to assess your investment needs, determine how we can support your requirements, and provide an estimate of our advisory fees. Specific financial advice or services cannot be provided until our firm is formally engaged. There is no obligation to proceed after this initial meeting. You may reach us by emailing our principal at jgorlow@cardiffpark.com or calling our office at 760-635-7526.